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Retirement Plans for PEOs

For PEOs, offering a retirement plan does more than provide a benefit. It helps build more loyal client relationships, improves retention and helps set you apart from competitors.

Ameritas uses its experience and responsive support to make the process easier, so you can focus on your business and give your clients and their employees a great experience. 

Streamline retirement planning

Find solutions designed for PEOs to help you manage retirement plans more easily. 

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Group meeting about Retirement Plans for PEOs

Pooled retirement plans

The biggest benefit of a pooled retirement plan is that it brings multiple employers together under a single 401(k) as either a multiple employer plan (MEP) or pooled employer plan (PEP). A MEP shares one plan and administrator; a PEP adds a pooled plan provider to take on most fiduciary and administrative duties, reducing work and shifting much of the responsibility away from individual businesses. 

In pooled retirement plans, a PEO may sponsor a MEP for its direct PEO clients or offer a PEP that can also be open to ASO employers. In a PEP, a Pooled Plan Provider (PPP) oversees the plan and takes on key administrative and fiduciary duties; that role may be filled by the PEO or an independent PPP (in consultation with PEO legal counsel). This makes it easier for you to deliver a strong retirement plan at scale, without adding work for your team.

Pooled plans support:

  • Flexible plan structure. 
  • Reduced fiduciary responsibility. 
  • Payroll‑aligned contributions. 
  • Simplified administration. 
  • More effective employee education and planning tools. 

Learn more about our pooled plans.

Benefits of offering a retirement plan 

Stronger client retention

Retirement plans are a key benefit that help you build stronger relationships and make your PEO more valuable to clients. 

Clear differentiation 

Offering an innovative 401(k) helps your PEO stand out from the competition. 

Added value for clients 

You make it possible for small and mid-size employers to offer a benefit they might not be able to manage alone. 

Better employee engagement 

A retirement plan helps support long-term financial well-being, which reflects well on both your clients and your business. 

Scalable growth 

Retirement plans let you expand to more worksites without making things more complicated. 

Payroll solutions 

Payroll integrations

We work with major HRIS and payroll providers to make data move smoothly and automatically. This helps cut down on errors, adds new plan features, saves time, and lowers risk. We offer both 180- and 360-degree integration options. 

Payroll validations

Our payroll validation program checks your data every pay period to catch withholding and reporting errors before they become expensive year-end fixes. If something is off, we help you resolve it, so your plan stays compliant and on track. 

Why Ameritas?

With over 60 years of experience and a dedication to partnership, Ameritas supports PEOs with reliable plans, strong administration and dedicated service that expands alongside your business. 

Give your clients flexible investment options without tying them to proprietary funds. 
Pick a pooled plan made for PEOs, with choices for size, features and customization to fit your business. 
Build your brand with participant portals and materials customized to your PEO. 
Get the technology and support you and your clients need.
Use our fiduciary resources to handle risk and regulatory duties with more confidence.
Keep your plan and client data safe with strong, industry-standard safeguards. 

How do I get started with Ameritas retirement plans?

Begin with a quick discovery call. We’ll learn about your needs, recommend the best solutions, and provide a clear plan and timeline to help you succeed. 

Get Started